Your thinking is correct. The Palio D has a similar sound and after i got a new genuine FIAT clutch kit installed (including a new bearing) , the noise is still there. I asked the FIAT trained mechanic ( from the Palio days) and he told me it is the synchronisers in the gearbox making a noise not the bearing. He explained that the clutch bearing noise is similar to two metals grinding with each other, not the usual kat-kat type. Cheers.